Visa Credit Card
Virgin Money Virgin Australia Velocity Flyer Card (Balance Transfer Offer)
Balance Transfer0% p.a. for 22 months on balance transfers. Earn 3 additional bonus Velocity Points per $1 on your everyday spend in the first 3 months (capped at 10,000 points per month).
Balance Transfer Rate
Max Free Days
Number free supplementary
Interest Free Days
Interest Free Days
Maximum credit limit
Late Payment Fee
Minimum credit limit
Over limit fee
Minimum repayment dollars
Duplicate statement fee
Minimum repayment percent
Supplementary card annual fee
Cash advance rate
Balance Transfer Rate
Balance Transfer Rate
Balance Transfer Fee
Foreign Exchange Fee
1.5% on Visa
Estimated ATM Cost
for AU $300 withdrawal
Australia Citizen, Permanent Resident
|1 point for $1 spent||Visa||Up to $10k monthly||eligible transactions|
- Free Supplementary Cards Must be 16 years or over.
Compare and review credit cards with similar features
Queensland Country Credit Union is owned by its customers and offers an alternative to the big banks.
It first began in 1971 as the Isa Mine Employees’ Credit Union, but has expanded to now offer banking and lending services to all Queenslanders. It has 29 branches and two agencies throughout the state.
Members get free access to almost 20,000 ATMs, from Westpac and its affiliated brands, across Australia.
Queensland Country Credit Union has assets worth more than $1.7 billion.
The Queensland Country Credit Union Visa credit card offers a moderate interest rate on purchases, with a moderate number of interest-free days for a moderately low annual fee.
As a cardholder, you could take part in the Great Rewarder program. For an annual fee to join, you could earn points on eligible transactions that are paid back to you as cash.
The Queensland Country Credit Union Visa comes in a variety of designs. The design can be different for each cardholder on the account.
Additional cardholders can be included at no extra cost.
You could transfer an existing credit card balance across to this Visa card. The moderate interest rate that applies to balance transfers is the same for cash advances.
This credit card enjoys the fraud and security protections of Visa’s Zero Liability Policy and
Verified by Visa. Contactless transactions less than $100 are supported by Visa payWave.
- Additional cardholder free
- Choice of card design
- Optional rewards program
- Fee for rewards program
- Overlimit fee
- No 0% balance transfers
Who is it good for?
If you’re an existing member of the Queensland Country Credit Union, you might find it convenient to link this Visa to an existing account.
As a non-member, you might find the one moderate interest rate for all transactions appealing.
The Great Rewarder program lets you earn points on eligible transactions. These points are converted to cash available for use within Australia.
You could use your points to pay for, or use them as part payment for, goods or services anywhere that accepts EFTPOS.
It’s not a program such as flybuys or Qantas Points, where points can be transferred or redeemed via an online catalogue.
Other benefits of this credit card include exclusive offers and pre-sale tickets through Visa Entertainment.
The Queensland Country Credit Union Visa card doesn’t offer 0 per cent balance transfers, which is something to consider if you want to transfer an existing credit card balance across.
What RateCity says
The Queensland Country Credit Union Visa credit card is a good allrounder. It offers cardholders one moderate interest rate on transactions, for a moderately low annual fee.
It provides an optional rewards program for an additional moderately low fee. Points earned via this program can be redeemed as cash loaded onto an EFTPOS card for spending. The points are capped per month.
The Visa card comes in a range of designs for those wanting something a little bit different. And additional cardholders can be included on the account at no extra cost.
There’s no concierge service or complimentary insurances that some Visa cards offer. So this credit card might be useful just for day-to-day payments and purchases.
Being a Visa card, it comes with all the protections and security features associated with the Visa brand, such as Visa Zero Liability, Visa Checkout and Verified by Visa.
To be eligible for the Queensland Country Credit Union Visa credit card, you must be at least 18 years of age. You must also be an Australian citizen or permanent resident of Australia and in paid employment. Applicants who have been bankrupt are ineligible. You can apply online, over the phone or in a branch. To complete the application, you'll need details of your income, assets and liabilities. Acceptable forms of identification include a driver's licence, passport or Medicare card.
About Queensland Country Credit Union
Queensland Country Credit Union is an independent, customer-owned organisation. It was founded in 1971 as the Isa Mine Employees' Credit Union Limited. In 2017, Queensland Country Credit Union merged with ECU. The expanded credit union now has 29 branches across Queensland. Its head office is located in Townsville, Queensland. The Queensland Country Credit Union also owns the Queensland Country Health Fund. Its products include credit cards, home loans, bank accounts, savings accounts, personal loans, car loans and insurance.
If you’ve recently used your credit card to pay for something over the phone or online, you would have been asked to provide a CVV number. CVV stands for ‘card verification value’, and is also sometimes referred to as a CVC or card verification code.
A CVV code is usually needed when the card is used online or over the phone as an anti-fraud measure. Without the cardholder being physically present to sign or verify the purchase, the CVV provides an extra layer of protection.
If you’re using Mastercard or Visa, the CVV is usually three digits and is located on the back of the card. If you’re using an American Express, the CVV is usually four digits and is on the front of the card.
The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers: Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14. The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid. Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.
Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.
The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.
Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.
Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.